General liability insurance is the best way to cover a business in case of injury or damage, resulting from an accident caused by the owner or an employee. This general coverage is extremely affordable especially when you consider the cost of covering the damages yourself.
A general policy will cover you for almost any risk. General liability insurance covers personal injury, property damage, and litigation costs up to a specific limit. You have the option of increasing what is covered in the general policy by adding other clauses for specific risks associated with your business.
You may want to add an umbrella policy which will pick up whatever is not covered by the commercial liability insurance if you feel the limits are not enough to pay for any potential costs.